Homeowners Insurance in Kansas City, MO

For a home at Kansas City's median value of $242,900, we estimate about $1,650 a year — +4% versus the Missouri NAIC average of $1,589.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Kansas City

Est. premium

$1,650

$138/mo · median home

Median home value

$242,900

Missouri: $230,300

Median year built

1969

Census ACS

Owner-occupied

55.4%

of households

Hazard score

77.9

state ref. 78.8

Kansas City's estimate reflects its home values (5% higher than the state median) and FEMA's hazard profile for Jackson County. Many homes here are older, so roof age, wiring and plumbing updates can matter a lot at underwriting.

Natural hazard risk in Kansas City

FEMA National Risk Index — Jackson County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very High	99.4	Comprehensive (car); roof claims (home)
Tornado	Very High	99.5	Comprehensive; dwelling
Hurricane	Not rated	0.0	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively High	96.5	Comprehensive; home needs a separate flood policy
Coastal flooding	Not rated	—	Comprehensive; home needs a separate flood policy
Strong wind	Relatively High	96.1	Comprehensive; dwelling
Winter weather	Relatively High	91.2	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	49.2	Comprehensive; dwelling
Earthquake	Relatively Low	82.2	Home needs a separate earthquake policy
Lightning	Relatively High	87.5	Fire and electrical damage

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated premium by home value in Kansas City

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,410	$1,300
$300,000	$1,955	$1,795
$500,000	$2,940	$2,705
$750,000	$4,065	$3,740

Home Insurance Estimator

Estimated annual premium

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Per month

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Homeowners insurance by ZIP code in Kansas City

ZIP	Median home value	Owner-occupied	Est. premium
64118	$225,300	59.4%	$1,555
64133	$178,500	64.0%	$1,290
64119	$229,700	74.7%	$1,575
64155	$300,900	71.5%	$1,955
64151	$323,000	63.4%	$2,070
64114	$280,900	67.6%	$1,850
64138	$188,400	61.1%	$1,345
64157	$386,400	90.9%	$2,390
64134	$156,400	52.6%	$1,160
64131	$234,200	50.7%	$1,600
64130	$86,300	51.6%	$720
64116	$240,900	44.3%	$1,640
64127	$91,200	45.5%	$755
64111	$286,700	31.2%	$1,885
64110	$256,700	47.8%	$1,725
64117	$186,900	53.0%	$1,335
64154	$355,700	50.4%	$2,240
64113	$508,500	94.0%	$2,980
64132	$108,000	48.8%	$860
64128	$84,600	47.5%	$710
64123	$129,300	67.6%	$995
64106	$238,000	17.0%	$1,620
64124	$112,000	47.4%	$890
64108	$291,300	32.3%	$1,905
64109	$275,000	38.3%	$1,820
64137	$181,700	50.1%	$1,305
64129	$119,400	57.2%	$935
64112	$410,800	46.7%	$2,510
64156	$410,800	77.6%	$2,510
64158	$371,800	55.4%	$2,320
64126	$57,200	60.9%	$520
64153	$353,200	54.5%	$2,225
64105	$251,400	14.1%	$1,695
64145	$370,100	86.4%	$2,310
64139	$445,100	65.6%	$2,675
64125	$107,200	68.5%	$855
64136	$190,200	38.6%	$1,355
64146	$206,700	81.1%	$1,450
64163	$213,100	53.3%	$1,485
64120	$38,000	7.5%	$375
64149	$400,000	100.0%	$2,460
64161	$144,000	75.0%	$1,085
64164	$407,100	100.0%	$2,495

Homeowners insurance in Missouri · Car insurance in Kansas City · Insurance offices near Kansas City

Frequently asked questions

How much is homeowners insurance in Kansas City?

For a home at Kansas City's median value of $242,900, we estimate about $1,650 a year for a standard HO-3 policy with a $1,000 deductible. The Missouri NAIC average is $1,589.

What are the biggest natural hazards in Kansas City?

FEMA's National Risk Index rates Jackson County relatively high or very high for hail, tornado, inland (river) flooding, strong wind, winter weather, and lightning.

Does the age of homes in Kansas City affect insurance?

Yes. The median home in Kansas City was built in 1969 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for Missouri, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Jackson County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page